General Insurance

Protecting your home

Whether you rent or own your home, insuring it makes sense. There are two main types of home insurance to consider – buildings and contents. As the names suggest, buildings insurance protects the property itself, whilst contents insurance covers the furniture, furnishings, appliances, clothing and all your possessions.

Whatever the type of property you live in, even if it’s ‘non-standard’, the chances are, we’ll be able help you to find the cover you need. And we’ll also be able to help you get the right cover for all your home contents.

Although the value of our properties and their contents will of course vary, it’s important not to underestimate just how much all the contents in your home are worth – your electrical and technology items alone could easily add up to thousands of pounds. ‘Gadgets’ such as tablets are small but relatively expensive and can easily be damaged or stolen. Take a look around you, how much would it cost to replace all the contents of your home?

Although we all like to think that it won’t happen to our home, unfortunately, accidents, fire, burglary and other mishaps are not uncommon. So, whilst it’s tempting to think that home insurance is one expense that can be avoided, such a decision could prove to be a false economy.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.